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Sarah De Schepper

Active
Private limited companyfounded 20242 yrs activeSchoolstraat(MEL) 13, 9120 Beveren-Kruibeke-Zwijndrecht, BelgiumKBO/BCE: BE 1013.254.872
Summary

Sarah De Schepper has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,030 and a net result of €13,863. Its solvency ranks better than 16% of 16754 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes
Profitability84
Solvency39
Growth-
Track record67
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.54; short-term debt: 86% and cash: 17.1% of total assets), and 86% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
14%
Return on assets
12.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 16754 sector peers (2025).
NBB · sector comparison
Position among 16754 sector peers
Solvency
better than 16%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
7 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Sarah De Schepper was incorporated on 6 September 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€16,030
Total assets
€114,474
Net result
€13,863
Working capital
-€44,994

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €114,474
Fixed assets €61,024
Current assets €53,450
Equity and liabilities €114,474
Equity €16,030
Debt €98,444
Debt finances 86.0% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€29,512
Cash flow
€21,801
Current ratio
0.54
Debt to equity
6.14
ROE
86.5%
ROA
12.1%
Interest coverage
80.20
Debt ≤ 1 year
€98,444
Income taxes
€7,343
Staff costs
€15,305

Peer companies

Historical observation

Of the 7,976 companies that looked in July 2024 the way this one looks now, 3.1% went bankrupt within 24 months and 94% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
3.1% went bankrupt
1.6% stopped otherwise
94% still going

A further 1.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 7,976 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 41 lines
Balance sheet Code2025
Assets
Total assets20/58€114,474
Fixed assets21/28€61,024
Tangible fixed assets22/27€61,024
Land and buildings22€2,247
Plant, machinery and equipment23€1,715
Furniture and vehicles24€57,062
Current assets29/58€53,450
Amounts receivable within one year40/41€33,851
Trade receivables40€33,851
Cash at bank and in hand54/58€19,600
Equity and liabilities
Total equity and liabilities10/49€114,474
Equity10/15€16,030
Contributions10/11€3,000
Reserves13€13,030
Distributable reserves133€13,030
Amounts payable17/49€98,444
Amounts payable within one year42/48€98,444
Trade debts44€11,818
Suppliers440/4€11,818
Taxes, remuneration and social security45€28,769
Taxes450/3€7,343
Remuneration and social security454/9€21,426
Other amounts payable47/48€57,857
Income statement Code2025
Remuneration, social security and pensions62€15,305
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7,938
Other operating charges640/8€3,767
Gross operating margin9900€48,584
Operating profit (loss)9901€21,574
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€368
Recurring financial charges65€368
Profit (loss) for the period before taxes9903€21,206
Income taxes67/77€7,343
Profit (loss) for the period9904€13,863
Profit (loss) for the period to be appropriated9905€13,863
Appropriation of the result
Profit (loss) to be appropriated9906€13,863
Transfer to equity691/2€13,030
To other reserves6921€13,030
Profit to be distributed694/7€833
Return on contributions (dividend)694€833

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€15,305
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7,938
Other operating charges640/8€3,767
Gross operating margin9900€48,584
Operating profit (loss)9901€21,574
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€368
Recurring financial charges65€368
Profit (loss) for the period before taxes9903€21,206
Income taxes67/77€7,343
Profit (loss) for the period9904€13,863
Profit (loss) for the period to be appropriated9905€13,863
Line2025
Assets
Total assets20/58€114,474
Fixed assets21/28€61,024
Tangible fixed assets22/27€61,024
Land and buildings22€2,247
Plant, machinery and equipment23€1,715
Furniture and vehicles24€57,062
Current assets29/58€53,450
Amounts receivable within one year40/41€33,851
Trade receivables40€33,851
Cash at bank and in hand54/58€19,600
Equity and liabilities
Total equity and liabilities10/49€114,474
Equity10/15€16,030
Contributions10/11€3,000
Reserves13€13,030
Distributable reserves133€13,030
Amounts payable17/49€98,444
Amounts payable within one year42/48€98,444
Trade debts44€11,818
Suppliers440/4€11,818
Taxes, remuneration and social security45€28,769
Taxes450/3€7,343
Remuneration and social security454/9€21,426
Other amounts payable47/48€57,857
Line2025
Profit (loss) for the period9904€13,863
+ Depreciation and write-downs630€7,938
Operating cash flow (approximation)€21,801

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
24-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
374 m²
Building footprint
136 m²
Volume, LiDAR
814 m³
Parcel 46016C0218/00T000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Logopedie Sarah De Schepper
Schoolstraat(MEL) 13, 9120 Beveren-Kruibeke-ZwijndrechtHuman health activities
since 20242.363.414.304
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46016C0218/00T000 Flanders 374 m² 1 · 136 m² 8.1 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Public money · subsidies and aid

Flemish government

2025 · 1 entry · 257 EUR awarded · 257 EUR paid
Year Entries awardedpaid
2025 1 257 EUR257 EUR
Schemes
1 entry · 257 EUR · 257 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Of 12,699 companies in sector 86951 we hold annual accounts for 2,146. 1,761 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded06-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
86951Physiotherapy
85599Other education
85699Other educational support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1013254872
Also 9925:BE1013254872
Registered 26-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.